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> people forced to buy policies on the individual market The individual mandate has been gone since 2019.
by ac29 2y ago
> people forced to buy policies on the individual market
The individual mandate has been gone since 2019.
- irjustin 2y agoI'm quite naive, isn't the individual mandate being removed the reason why the premiums are going up? i.e. lots of healthy people stopped buying and thusly leaving only the expensive guys?
- ceejayoz 2y agoYes, that's a significant aspect of the problem now. They were going up before, during, and post ACA mandate, though. They've been on an upwards march alongside the underlying per-capita healthcare costs for decades. https://www.healthsystemtracker.org/chart-collection/u-s-spending-healthcare-changed-time/ https://www.healthsystemtracker.org/chart-collection/u-s-spe... ("Total national health expenditures, US $ per capita, 1970-2022" - $2k/year --> $13k/year per person)
- ac29 2y agoAccording to the latest data I could find, 2022 had the lowest rate of uninsured Americans on record: https://www.kff.org/uninsured/issue-brief/key-facts-about-the-uninsured-population/ https://www.kff.org/uninsured/issue-brief/key-facts-about-th... There were some pandemic era programs that increased the number of insured people, so it is possible things have changed since 2022. Either way, there is no evidence that the repeal of the individual mandate actually resulted in less people with health insurance.
- koolba 2y agoBy “forced” in this context I mean people who want to have health insurance but have no choice but to acquire it on the individual market.